Henderson County property record for 20 Hemlock Rd, Mills River, NC 28759
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,568 sqft · built 1966 |
| Lot Size | 0.77 acres (33,541 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,618 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 9519981991 |
| Primary APN | 9519981991 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,568 sqft Heated Area |
| 1st Floor Area | 1,568 sqft |
| Basement Area | 1,568 sqft |
| Unfinished Basement | 1,568 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 33,541 sqft (0.77 acres) |
| Garage Type | Detached |
| Garage Area | 1,564 sqft |
| Porch | Slab |
| Porch Area | 298 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10013284 |
|---|---|
| Street Address | 20 HEMLOCK RD |
| City | MILLS RIVER |
| State | NC |
| Zip | 28759-9545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10013284~M |
| Legal Description | MINOR SUBDIVISION SURVEY 0.77 ACRES LO1 PL2024-15961 |
| Legal Subdivision | MINOR SUBDIVISION |
| Legal Block | 99 |
| Legal Lot Number | 173 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | MILLS RIVER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 930703 |
20 Hemlock Rd is owned by a company that acquired it in December 2025.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 256 S RUGBY RD, HENDERSONVILLE, NC 28791-8453 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Jun 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Apr 18, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 29, 2025 |
| Transfer Doc | 0001042472 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 20 HEMLOCK RD, MILLS RIVER, NC 28759-9545 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 256 S RUGBY RD, HENDERSONVILLE, NC 28791-8453 |
| Document Number | 0043810646 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 4381/646 |
| Instrument | 1001042473 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 8024 CALVIN HALL RD, INDIAN LAND, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Jun 22, 2022 |
| Property Address | 20 HEMLOCK RD, MILLS RIVER, NC 28759-9545 |
| Document Number | 0039280624 |
| Book / Page | 3928 / 624 |
| Map Reference | MB 418 PG 105 |
| Instrument Date | Jun 20, 2022 |
| Instrument | 981798 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 PHEASANT RIDGE RD, 40, FAIRVIEW, NC 28730-8508 |
| Name | Verified Name |
|---|---|
| Address | 256 S RUGBY RD, HENDERSONVILLE, NC 28791-8453 |
| Document Number | 0000981799 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 981799 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Apr 18, 2022 |
| Property Address | 20 HEMLOCK RD, MILLS RIVER, NC 28759-9545 |
| Document Number | 0038990630 |
| Book / Page | 3899 / 630 |
| Instrument Date | Apr 18, 2022 |
| Instrument | 977886 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $790.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1624, ETOWAH, NC 28729-1624 |
| Name | Verified Name |
|---|---|
| Address | 40 PHEASANT RIDGE RD, FAIRVIEW, NC 28730-8508 |
The 2025 property tax bill for 20 Hemlock Rd was $1,618.
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Municipality | Mills River Town |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $375,500 Land $44,300 Building $331,200 | ||
| 2025 | $1,618.00 | ||
| 2023 | $436,300 Land $92,000 Building $344,300 | $375,500 Land $44,300 Building $331,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Hemlock Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2009 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 20 Hemlock Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MAPLE HILLS MHP private · serves 185 people · EPA ID NC0145115 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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